VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener

Bank of America Corporation (BAC) Total Return Calculator with Dividends Reinvested

Bank of America Corporation

Popular:

The total return for Bank of America Corporation (BAC) stock is +31.86% over the past 12 months. So far it's down 4.56% this year. The 5-year total return is +39.79%, meaning $10,000 invested in BAC stock 5 years ago would be worth $13,979 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in BAC 1 year ago, it would be worth $13,300 today — you'd have gained $3,300 with dividends reinvested.

With Dividends Reinvested$13,300+33.00%

Price Only (No DRIP)$13,007+30.07%

Dividend Boost+$2934 payments · +2.93% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in BAC

1Y$13,186+$3,186 (+31.9%)31.9% CAGR

3Y$20,274+$10,274 (+102.7%)26.6% CAGR

5Y$13,979+$3,979 (+39.8%)6.9% CAGR

10Y$43,096+$33,096 (+331.0%)15.7% CAGR

15Y$49,618+$39,618 (+396.2%)11.3% CAGR

20Y$13,351+$3,351 (+33.5%)1.5% CAGR

30Y$41,256+$31,256 (+312.6%)4.8% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-06	$0.26	$44.97	+0.005782
2025-09-05	$0.28	$49.77	+0.005658
2025-12-05	$0.28	$53.95	+0.005249
2026-03-06	$0.28	$48.64	+0.005853

Loading BAC total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-4.56%	—	-5.06%	+0.50 pp	$9,544
1Y	+31.86%	31.86%	+29.18%	+2.68 pp	$13,186
3Y	+102.74%	26.57%	+91.70%	+11.04 pp	$20,274
5Y	+39.79%	6.93%	+28.34%	+11.45 pp	$13,979
10Y	+330.96%	15.73%	+278.08%	+52.88 pp	$43,096
15Y	+396.18%	11.27%	+331.87%	+64.31 pp	$49,618
20Y	+33.51%	1.46%	+5.25%	+28.25 pp	$13,351
30Y	+312.56%	4.84%	+176.81%	+135.75 pp	$41,256

Risk & Highlights

Best Year+100.17%2012

Worst Year-65.29%2008

Max Drawdown-18.39%2026-01-06 → 2026-03-13

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-10.44%	-10.94%	+0.5pp	+0.41%	-10.9pp
2025	+26.62%	+24.18%	+2.4pp	+16.64%	+10.0pp
2024	+32.60%	+29.65%	+2.9pp	+24.00%	+8.6pp
2023	+3.22%	+0.48%	+2.7pp	+24.81%	-21.6pp
2022	-26.42%	-28.28%	+1.9pp	-19.95%	-6.5pp

BAC outperformed the S&P 500 by 3.42pp over the past year (+31.86% vs +28.44%).

Loading summary...

BAC Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
BACBank of America Corporation	$404.3B	+6.1%	-4.6%	+31.9%	+2.7pp	+102.7%	+39.8%	+331.0%
JPMJPMorgan Chase & Co.	$834.2B	+4.7%	-4.0%	+24.8%	+2.3pp	+137.4%	+111.1%	+466.1%
WFCWells Fargo & Company	$247.1B	-2.4%	-15.6%	+10.6%	+2.4pp	+122.0%	+88.2%	+91.2%
CCitigroup Inc.	$223.7B	+9.1%	+8.9%	+86.5%	+4.2pp	+191.0%	+88.4%	+231.6%
GSThe Goldman Sachs Group, Inc.	$285.5B	+6.1%	+1.0%	+67.0%	+2.8pp	+192.6%	+172.3%	+521.9%
MSMorgan Stanley	$301.1B	+13.7%	+5.1%	+61.5%	+3.3pp	+136.0%	+144.0%	+726.4%
USBU.S. Bancorp	$86.5B	+4.0%	+4.1%	+39.1%	+5.0pp	+100.4%	+8.1%	+73.6%
PNCThe PNC Financial Services Group, Inc.	$89.6B	+4.0%	+6.4%	+37.9%	+4.1pp	+107.5%	+29.6%	+216.9%
TFCTruist Financial Corporation	$65.7B	+4.8%	+1.5%	+32.2%	+5.3pp	+95.9%	-0.8%	+99.4%
COFCapital One Financial Corporation	$117.4B	+3.0%	-23.2%	+2.4%	+1.5pp	+124.2%	+31.8%	+203.6%
CFGCitizens Financial Group, Inc.	$27.8B	+4.8%	+9.9%	+70.9%	+4.7pp	+162.9%	+49.4%	+254.2%

Compare:BAC vs JPM BAC vs WFC BAC vs C BAC vs JPM vs WFC

About BAC Dividend Returns

Bank of America Corporation (BAC) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of BAC over the past year?

Bank of America Corporation (BAC) delivered a total return of 31.86% over the past year when dividends are reinvested. The price-only return was 29.18%, meaning dividends contributed an additional 2.68 percentage points to total returns.

Q2How much would $10,000 invested in BAC be worth today?

A $10,000 investment in Bank of America Corporation one year ago would be worth $13,186 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,918. Dividend reinvestment added $268 to the portfolio value.

Q3Does BAC pay dividends?

Yes, Bank of America Corporation (BAC) pays dividends. In the last year, BAC paid approximately $1.27 per share in dividends (2.39% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did BAC beat the S&P 500?

Yes, Bank of America Corporation (BAC) outperformed the S&P 500 by 3.42 percentage points over the past year. BAC delivered a total return of 31.86%, compared to the S&P 500's 28.44%. This 3.42pp alpha means investors in BAC earned more than a passive S&P 500 index fund.

Q5What is BAC's worst drawdown?

Bank of America Corporation (BAC) experienced a maximum drawdown of -18.39% over the past year, declining from its peak on 2026-01-06 to its trough on 2026-03-13. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is BAC's long-term total return over 10, 20, or 30 years?

Here are Bank of America Corporation (BAC)'s long-term returns with dividends reinvested. Over 10 years, the total return is 331.0% (15.7% CAGR) — $10,000 would have grown to $43,096. Over 20 years: 33.5% total return (1.5% CAGR) — $10,000 → $13,351. Over 30 years: 312.6% total return (4.8% CAGR) — $10,000 → $41,256. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was BAC's best and worst year?

Bank of America Corporation's best calendar year was 2012 with a total return of 100.2%. Its worst year was 2008 with a total return of -65.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 165.5 percentage points.